American Express
Platinum · Travel Platinum
American Express Travel Platinum Credit Card
American Express
Maximise your travel rewards at home and abroad
Annual Fee
₹5,000
Joining Fee
₹5,000
Reward Rate
1.3%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹24,100
Total Annual Benefits
₹30,000
Total Annual Charges
₹5,900
ROI
508%
Fee Waiver Available
Annual fee waived on spending ₹4 Lakh in the preceding year — ₹4,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Travel Benefits (2)
3X MR on Travel
Earn 3X Membership Rewards points on all travel bookings including flights, hotels, and travel agencies
- • Flights, hotels, travel agencies, car rentals
3X MR points
2X MR on International Spends
Earn 2X Membership Rewards points on all international transactions
- • All international retail transactions
2X MR points
Reward Points (1)
1X MR on Other Spends
Earn 1 MR point per ₹40 spent on all other purchases
1X MR points
Airport Lounge Access (1)
Airport Lounge Access
8 domestic and 4 international airport lounge visits per year
- • 8 domestic + 4 international visits per year
12 visits/year
₹30,000/yr
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on fuel transactions
- • Valid on transactions ₹500–₹5,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
American Express Membership Rewards
1 MR per ₹40 (3X travel, 2X intl)
Effective cashback: 1.25%
Points expire: Points do not expire as long as card is active
Redemption Options
- → Transfer to airline partners (1 MR = up to 1 air mile)
- → Transfer to hotel partners
- → Statement credit (1 MR = ₹0.25)
- → Gift cards and merchandise
- → Travel bookings via Amex portal
Bonus Categories
Travel
3x multiplier
3X MR on travel bookings
International
2x multiplier
2X MR on international spends
Other
1x multiplier
1X MR on all other purchases
Milestone Bonuses
15,000 bonus MR points on spending ₹5 Lakh annually
Spend ₹5,00,000 annually
15,000 MR Points
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹5,000 Excluding GST |
| Annual Fee | ₹5,000 Excluding GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹1,500
- Cash Advance Fee
- 3.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 3.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹500 – ₹5,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹50,000
- Min. Annual Income
- ₹6,00,000
- Min. Credit Score
- 720
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Gross Monthly Income > ₹50,000
- • Self-Employed: ITR > ₹6 Lakh p.a.
- • Subject to credit assessment and internal policies
Insurance Coverage
Accidental Death
₹2.5 Cr
Permanent Disability
₹2.5 Cr
Travel Insurance
₹25.0 L
Lost Card Liability
₹10.0 L
Report within 48h
Air Accident Cover
₹2.5 Cr
Purchase Protection
₹2.0 L
90 days
- • Air accident cover: ₹2.5 Crore
- • Travel insurance: ₹25 Lakh
- • Purchase protection: ₹2 Lakh for 90 days
Airport Lounge Access
Domestic
8 visits/year
8 per year
~₹2,500/visit
International
4 visits/year
4 per year via Priority Pass
~₹4,000/visit
Priority Pass Amex Lounge Collection Plaza Premium
- • 8 complimentary domestic lounge visits per year
- • 4 complimentary international lounge visits per year via Priority Pass
Transaction Limits
ATM Withdrawal / Day
₹50,000
POS & E-Commerce / Day
₹5,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Global acceptance Add-on cards available EMI conversion facility 3X rewards on travel bookings Priority Pass membership included Comprehensive travel insurance Amex mobile app and online management
EMI Options
Min. Transaction
₹5,000
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The American Express Travel Platinum Credit Card is a travel-centric card offering 3X Membership Rewards points on travel bookings and 2X on internati...
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